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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 reviews, last reviewed 1st Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 2026

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About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (50809)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

What I think of PayPal

I have not had any problems. I do not like them keep changing their contract with you but so far so good. Reviewed on: 3rd June 2025

A really convenient source of credit at a great rate

I have had a PayPal account for many years and have been made aware of PayPal Credit but the offering isn't intrusive, like many other credit institutions. When I did apply, the process was very simple, I was given a modest amount of credit that has grown over time and the interest rate is low. I am notified when payments are due and they are taken by direct debit from my account already linked to my PayPal account, so there was no need to fill in further forms. Reviewed on: 3rd June 2025

Great service

Easy to manage account via app and when I have contacted customer service, they have always responded in good time with issues resolved. Reviewed on: 3rd June 2025

With paypal credit I find it very flexible to buy th...

With paypal credit I find it very flexible to buy things I like to buy and repay them in flexible time. Reviewed on: 3rd June 2025

Easy to set up, and easy to view my account, good...

Easy to set up, and easy to view my account, good quality security to boot. Reviewed on: 3rd June 2025

Easy and Secure for Personal Payments

I use PayPal regularly for personal transactions, like splitting bills or sending money to friends. It’s fast, easy to use, and I feel secure every time. A very handy tool to have! Reviewed on: 3rd June 2025

PayPal credit has helped me over the years to be abl...

PayPal credit has helped me over the years to be able to not only buy things for family & friends but also help people out too,if it was added to amazon for payment it would be even better than it already is as it's accepted for many online payments & it's trusted . Reviewed on: 3rd June 2025

Bad company

Predatory practices, unreachable customer service. The best way to contact customer service is to simply not pay, they will harass you with numerous calls. Simply do not use. Fintech is a scam. Reviewed on: 3rd June 2025

Peace of mind is priceless

I find PayPal gives me security that my transactions are safe and reliable.Also the Pay in 3 is so useful. They have come to my.aid when I had an issue so many thanks Reviewed on: 3rd June 2025

Easy to use and 4 month interest free is great

Easy to use and 4 month interest free is great Reviewed on: 3rd June 2025

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